FM Bank

Headquarters: Waseca, Minnesota
Charter: Bank
Assets: $738.4M
Fed district: Minneapolis

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 13, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
FM Advantage Checking
FM Bank: $7.50
FM Bank: $7.50
U.S. median: no median
Overdraft (OD)
FM Bank: $30
FM Bank: $30
U.S. median: no median
Non-Network ATM
FM Bank: $1
FM Bank: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 13, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from FM Bank’s own schedules, with a source for each figure.

Account Maintenance

FM Advantage Checking Monthly service charge$7.50
per month
Checking - After 1 Year Inactivity$5
per month
Money Market - After 2 Years Inactivity$5
per month
Savings - After 2 Years Inactivity$5
per month
Paper Statement Fee$5
per month

Overdraft & NSF

Overdraft Fee$30
per item

ATM & Card

Foreign ATM Fee$1
per item
Replacement Debit Card Fee$10
Expedited Debit Card Fee$30

Wire Transfers

Wire Transfer (Domestic Out)$30
Wire Transfer (Domestic In)$15
International outgoing Wire$50
International incoming wire$25

Check Services

Cashier's Check or Bank Money Order$6
Personal Money Order$4
Incomplete Information Stop Payment Fee$40
Lost Checkbook Stop Payment FEE$40
Stop Payment Fee$30
per item
Counter Check$0.50
per item
Check Cashing (Non-Customer)No charge
Copy of Cancelled Check$2
per item

Digital & Electronic

Bill Payment$9.95
Not compared: Per-item charge, not monthly
per item

Account Services

Notary ServiceNo charge
1 Lost Key$250
Not compared: Box drilling or key fee
Safe Deposit Box$150
Garnishments & Levies$50

Gift & Prepaid Cards

Gift Card$3
per item

Other Fees

Copy of Past Statement$5
Not compared: Charged per statement; comparison unavailable
per statement · Copy of Past Statement $5 / Statement
Fax Machine Use$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
FM Advantage Checking Monthly service charge	$7.50	per month	None
Checking - After 1 Year Inactivity	$5	per month	None
Money Market - After 2 Years Inactivity	$5	per month	None
Savings - After 2 Years Inactivity	$5	per month	None
Paper Statement Fee	$5	per month	None
Overdraft & NSF
Overdraft Fee	$30	per item	None
ATM & Card
Foreign ATM Fee	$1	per item	None
Replacement Debit Card Fee	$10	Not stated	None
Expedited Debit Card Fee	$30	Not stated	None
Wire Transfers
Wire Transfer (Domestic Out)	$30	Not stated	None
Wire Transfer (Domestic In)	$15	Not stated	None
International outgoing Wire	$50	Not stated	None
International incoming wire	$25	Not stated	None
Check Services
Cashier's Check or Bank Money Order	$6	Not stated	None
Personal Money Order	$4	Not stated	None
Incomplete Information Stop Payment Fee	$40	Not stated	None
Lost Checkbook Stop Payment FEE	$40	Not stated	None
Stop Payment Fee	$30	per item	None
Counter Check	$0.50	per item	None
Check Cashing (Non-Customer)	No charge	Not stated	None
Copy of Cancelled Check	$2	per item	None
Digital & Electronic
Bill Payment	$9.95Not compared: Per-item charge, not monthly	per item	None
Account Services
Notary Service	No charge	Not stated	None
1 Lost Key	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$150	Not stated	None
Garnishments & Levies	$50	Not stated	None
Gift & Prepaid Cards
Gift Card	$3	per item	None
Other Fees
Copy of Past Statement	$5Not compared: Charged per statement; comparison unavailable	per statement	Copy of Past Statement $5 / Statement
Fax Machine Use	$1Not compared: Charged per page; comparison unavailable	per page	None

Account Maintenance

Checking - After 1 Year Inactivity$5
per month
Money Market - After 2 Years Inactivity$5
per month
Savings - After 2 Years Inactivity$5
per month
Paper Statement Fee$5
per month

Overdraft & NSF

Overdraft Fee$30
per item

ATM & Card

Foreign ATM Fee$1
per item
Replacement Debit Card Fee$10
Expedited Debit Card Fee$30

Wire Transfers

Wire Transfer (Domestic Out)$30
Wire Transfer (Domestic In)$15
International outgoing Wire$50
International incoming wire$25

Check Services

Cashier's Check or Bank Money Order$6
Personal Money Order$4
Incomplete Information Stop Payment Fee$40
Lost Checkbook Stop Payment FEE$40
Stop Payment Fee$30
per item
Counter Check$0.50
per item
Check Cashing (Non-Customer)No charge
Copy of Cancelled Check$2
per item

Digital & Electronic

Bill Payment$9.95
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Chargeback (Commercial only)$3
per item

Account Services

Notary ServiceNo charge
1 Lost Key$250
Not compared: Box drilling or key fee
Safe Deposit Box$150
Garnishments & Levies$50

Gift & Prepaid Cards

Gift Card$3
per item

Other Fees

Copy of Past Statement$5
Not compared: Charged per statement; comparison unavailable
per statement · Copy of Past Statement $5 / Statement
Fax Machine Use$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Checking - After 1 Year Inactivity	$5	per month	None
Money Market - After 2 Years Inactivity	$5	per month	None
Savings - After 2 Years Inactivity	$5	per month	None
Paper Statement Fee	$5	per month	None
Overdraft & NSF
Overdraft Fee	$30	per item	None
ATM & Card
Foreign ATM Fee	$1	per item	None
Replacement Debit Card Fee	$10	Not stated	None
Expedited Debit Card Fee	$30	Not stated	None
Wire Transfers
Wire Transfer (Domestic Out)	$30	Not stated	None
Wire Transfer (Domestic In)	$15	Not stated	None
International outgoing Wire	$50	Not stated	None
International incoming wire	$25	Not stated	None
Check Services
Cashier's Check or Bank Money Order	$6	Not stated	None
Personal Money Order	$4	Not stated	None
Incomplete Information Stop Payment Fee	$40	Not stated	None
Lost Checkbook Stop Payment FEE	$40	Not stated	None
Stop Payment Fee	$30	per item	None
Counter Check	$0.50	per item	None
Check Cashing (Non-Customer)	No charge	Not stated	None
Copy of Cancelled Check	$2	per item	None
Digital & Electronic
Bill Payment	$9.95Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Chargeback (Commercial only)	$3	per item	None
Account Services
Notary Service	No charge	Not stated	None
1 Lost Key	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$150	Not stated	None
Garnishments & Levies	$50	Not stated	None
Gift & Prepaid Cards
Gift Card	$3	per item	None
Other Fees
Copy of Past Statement	$5Not compared: Charged per statement; comparison unavailable	per statement	Copy of Past Statement $5 / Statement
Fax Machine Use	$1Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 13, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when FM Bank's safe deposit box changes in our data

We check once a day and send one email covering every change.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
FM Advantage Checking
FM Bank: $7.50
FM Bank: $7.50
U.S. median: no median
Overdraft (OD)
FM Bank: $30
FM Bank: $30
U.S. median: no median
Non-Network ATM
FM Bank: $1
FM Bank: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 13, 2026View sources

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Published fee schedule

Amounts from FM Bank’s own schedules, with a source for each figure.

Account Maintenance

FM Advantage Checking Monthly service charge$7.50
per month
Checking - After 1 Year Inactivity$5
per month
Money Market - After 2 Years Inactivity$5
per month
Savings - After 2 Years Inactivity$5
per month
Paper Statement Fee$5
per month

Overdraft & NSF

Overdraft Fee$30
per item

ATM & Card

Foreign ATM Fee$1
per item
Replacement Debit Card Fee$10
Expedited Debit Card Fee$30

Wire Transfers

Wire Transfer (Domestic Out)$30
Wire Transfer (Domestic In)$15
International outgoing Wire$50
International incoming wire$25

Check Services

Cashier's Check or Bank Money Order$6
Personal Money Order$4
Incomplete Information Stop Payment Fee$40
Lost Checkbook Stop Payment FEE$40
Stop Payment Fee$30
per item
Counter Check$0.50
per item
Check Cashing (Non-Customer)No charge
Copy of Cancelled Check$2
per item

Digital & Electronic

Bill Payment$9.95
Not compared: Per-item charge, not monthly
per item

Account Services

Notary ServiceNo charge
1 Lost Key$250
Not compared: Box drilling or key fee
Safe Deposit Box$150
Garnishments & Levies$50

Gift & Prepaid Cards

Gift Card$3
per item

Other Fees

Copy of Past Statement$5
Not compared: Charged per statement; comparison unavailable
per statement · Copy of Past Statement $5 / Statement
Fax Machine Use$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
FM Advantage Checking Monthly service charge	$7.50	per month	None
Checking - After 1 Year Inactivity	$5	per month	None
Money Market - After 2 Years Inactivity	$5	per month	None
Savings - After 2 Years Inactivity	$5	per month	None
Paper Statement Fee	$5	per month	None
Overdraft & NSF
Overdraft Fee	$30	per item	None
ATM & Card
Foreign ATM Fee	$1	per item	None
Replacement Debit Card Fee	$10	Not stated	None
Expedited Debit Card Fee	$30	Not stated	None
Wire Transfers
Wire Transfer (Domestic Out)	$30	Not stated	None
Wire Transfer (Domestic In)	$15	Not stated	None
International outgoing Wire	$50	Not stated	None
International incoming wire	$25	Not stated	None
Check Services
Cashier's Check or Bank Money Order	$6	Not stated	None
Personal Money Order	$4	Not stated	None
Incomplete Information Stop Payment Fee	$40	Not stated	None
Lost Checkbook Stop Payment FEE	$40	Not stated	None
Stop Payment Fee	$30	per item	None
Counter Check	$0.50	per item	None
Check Cashing (Non-Customer)	No charge	Not stated	None
Copy of Cancelled Check	$2	per item	None
Digital & Electronic
Bill Payment	$9.95Not compared: Per-item charge, not monthly	per item	None
Account Services
Notary Service	No charge	Not stated	None
1 Lost Key	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$150	Not stated	None
Garnishments & Levies	$50	Not stated	None
Gift & Prepaid Cards
Gift Card	$3	per item	None
Other Fees
Copy of Past Statement	$5Not compared: Charged per statement; comparison unavailable	per statement	Copy of Past Statement $5 / Statement
Fax Machine Use	$1Not compared: Charged per page; comparison unavailable	per page	None

Account Maintenance

Checking - After 1 Year Inactivity$5
per month
Money Market - After 2 Years Inactivity$5
per month
Savings - After 2 Years Inactivity$5
per month
Paper Statement Fee$5
per month

Overdraft & NSF

Overdraft Fee$30
per item

ATM & Card

Foreign ATM Fee$1
per item
Replacement Debit Card Fee$10
Expedited Debit Card Fee$30

Wire Transfers

Wire Transfer (Domestic Out)$30
Wire Transfer (Domestic In)$15
International outgoing Wire$50
International incoming wire$25

Check Services

Cashier's Check or Bank Money Order$6
Personal Money Order$4
Incomplete Information Stop Payment Fee$40
Lost Checkbook Stop Payment FEE$40
Stop Payment Fee$30
per item
Counter Check$0.50
per item
Check Cashing (Non-Customer)No charge
Copy of Cancelled Check$2
per item

Digital & Electronic

Bill Payment$9.95
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Chargeback (Commercial only)$3
per item

Account Services

Notary ServiceNo charge
1 Lost Key$250
Not compared: Box drilling or key fee
Safe Deposit Box$150
Garnishments & Levies$50

Gift & Prepaid Cards

Gift Card$3
per item

Other Fees

Copy of Past Statement$5
Not compared: Charged per statement; comparison unavailable
per statement · Copy of Past Statement $5 / Statement
Fax Machine Use$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Checking - After 1 Year Inactivity	$5	per month	None
Money Market - After 2 Years Inactivity	$5	per month	None
Savings - After 2 Years Inactivity	$5	per month	None
Paper Statement Fee	$5	per month	None
Overdraft & NSF
Overdraft Fee	$30	per item	None
ATM & Card
Foreign ATM Fee	$1	per item	None
Replacement Debit Card Fee	$10	Not stated	None
Expedited Debit Card Fee	$30	Not stated	None
Wire Transfers
Wire Transfer (Domestic Out)	$30	Not stated	None
Wire Transfer (Domestic In)	$15	Not stated	None
International outgoing Wire	$50	Not stated	None
International incoming wire	$25	Not stated	None
Check Services
Cashier's Check or Bank Money Order	$6	Not stated	None
Personal Money Order	$4	Not stated	None
Incomplete Information Stop Payment Fee	$40	Not stated	None
Lost Checkbook Stop Payment FEE	$40	Not stated	None
Stop Payment Fee	$30	per item	None
Counter Check	$0.50	per item	None
Check Cashing (Non-Customer)	No charge	Not stated	None
Copy of Cancelled Check	$2	per item	None
Digital & Electronic
Bill Payment	$9.95Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Chargeback (Commercial only)	$3	per item	None
Account Services
Notary Service	No charge	Not stated	None
1 Lost Key	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$150	Not stated	None
Garnishments & Levies	$50	Not stated	None
Gift & Prepaid Cards
Gift Card	$3	per item	None
Other Fees
Copy of Past Statement	$5Not compared: Charged per statement; comparison unavailable	per statement	Copy of Past Statement $5 / Statement
Fax Machine Use	$1Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 13, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.